LedgerHow do you and your partner currently split shared expenses?
No judgment — we've seen every system. Select the one that sounds most familiar.
No account required · Takes 2 minutes · See your numbers first
See your household numbers
before you open anything.
Drag each slider to match your actual spending. Watch the right panel calculate who owes what — in real time.
Monthly Shared Expenses
Your Contribution Breakdown
Calculated in real time from your inputs
Approximately 8–16 payment requests between you two. That's 8 fewer awkward “hey can you Venmo me” texts per month with Ledger.
Pick your household configuration.
Switch anytime.
Ledger accounts are structured around relationship types — not just account holders.
Two equals, one register
Newlyweds and cohabitating couples who want full visibility without giving up independence.
- Dual debit cards, individual spending lanes
- Shared balance with per-person activity feed
- Instant notifications to both holders
- Monthly joint spending report, emailed together
Two primary holders, one extended family
Add a college student, a parent, or a sibling with view-only or limited spend access.
- Up to 2 authorized family members
- Custom per-user spending limits
- Parent/guardian notification controls
- Separate activity lanes per person
Structured enough for strangers
Unmarried partners or roommates who need shared utility tracking without full financial merger.
- Rent & utility auto-split on deposit
- Each person sees only their own transactions
- End-of-month summary for both
- No credit check required
All accounts include FDIC insurance up to $250,000 · No minimum balance · No overdraft fees
Three types of households.
One kind of clarity.
“We spent the first three months of marriage sending each other Venmo requests for the electric bill. Ledger turned our shared finances into a single, honest register. We can finally see everything without anyone feeling like the bookkeeper.”
Payment requests sent this month
Answer four questions.
Get your account — pre-built.
We use your inputs from the simulator to recommend an exact account structure, contribution schedule, and overdraft threshold — before you ever fill out an application.
2-minute assessment · No application yet · Results shown immediately
Your register looks like this — from day one.
The pen is uncapped.
Here are the fine lines.
Ledger is a real joint checking account — not a tracker, not a spreadsheet. You get two debit cards, ACH transfers, direct deposit, and FDIC insurance. Banking services are provided by our partner institution.
Either account holder can request a separation at any time. Funds are split according to your contribution ratio on file, and both parties receive a final statement. No court order required for unmarried holders.
Yes. You can designate a primary and secondary holder, set individual spending limits per card, and control which transactions trigger notifications for both people. Full control is never forced to be equal.
Ledger uses a shared overdraft buffer — you set the threshold together during setup. If the account dips below it, both holders are notified simultaneously. No hidden fees, no automatic credit line activation.
Traditional joint accounts show one combined feed. Ledger shows each person's contribution lane, a shared register, and a monthly joint statement — so you always know who paid what without having to ask.